Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. Depending on the specific situation, Mastercard will match authorization response to one of the following merchant advice codes: Mastercard Response Code. A smarter, simpler way to stop fraud. UA10 Request Transaction Receipt (swiped card transactions) UA11 Cardholder claims fraud (swiped transaction, no signature) You can see a reason code 11. With the chargeback code in hand, the merchant can now review the transaction. • Chargeback – a message sent via the card brand network to debit the merchant and credit the issuer for a cardholder dispute. Also, just like American Express, Discover functions as both a card network and an. The issuing bank collects evidence from the customer and categorizes the chargeback using the appropriate, card network-specific, reason code. mastercard chargeback reason code 34. 00. reason code information. 5%. 4 Other Fraud Card Absent. Understanding these codes is essential because they'll guide your response strategy. Values are: Blank: Use the draft G/L date. A risk department can accurately analyze what the issue is with their merchant by seeing the individual reason code,” Cirone explained. Chargeback reason codes will usually provide specific information about what kind of evidence is needed to get the chargeback reversed. For example, the merchant bills the cardholder in installments. Identifying the chargeback reason code or the proofs required to fight it is the first step in chargeback representment, press analyzing your. R13 No Reply. They also can’t prevent the lost sales revenue and merchandise resulting from a consumer dispute. ”. Visa’s 22 chargeback reason codes will be merged into client disputes – fraud, authorization, processing errors, and four guidelines. It’s a 3-digit alphanumeric shorthand attached to a returned ACH transaction explaining why an ACH transfer is reversed. Reason codes vary by card brand. Reason Code 12. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. By entering your email, you agree to receive marketing emails from Shopify. Transaction Amount: Decimal 0. 11, 16. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. Select a tab to see the possible reason codes for each dispute event category, divided by scheme. Acquirer Use of Message Reason Code 7623. Solutions. The length and structure of Reason Codes changed from a current two-digit code to four to six digits that contains decimal(s) point(s). 1 Transaction Information Documentation Retention Period. © Chargeback Reason Codes All received credit card disputes include a reason code. 2 EMV Liability Shift. ECM monitors first presentment chargebacks regardless of reason code or transaction type. 4849 – Questionable Merchant Activity – Mastercard Rule 3. 9808 info@chargebacks911. Poor order fulfillment: Late order fulfillment or billing for an order before shipping the goods. The issuing bank will then pass on the chargeback to the merchant. 9), the acquirer has 24 days to respond to the dispute • For MasterCard, the acquirer has 45 days to respond to the disputeThere are dozens of reasons why cardholders and issuers dispute transactions. 1 and Note on page 14 Chapters 1 and 2 Chapter 1 1. 3 No Authorization. We are writing to dispute the $1980 chargeback with the chargeback reason code 30 Services Not Provided or Merchandise Not Received. Chargeback /Dispute; Merchant Response. With the right compelling evidence,. . Chargeback reason American Express reason code Discover reason code Mastercard reason code Visa reason code; Cancelled subscription: C28: NF: 4841: 13. 60 due to merchandise, fees, overhead, and other sources of loss. This gives them more of an incentive to keep their customers happy, which means they usually side with cardholders during a dispute. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. American Express Chargeback Codes (2023) American Express functions as a card network and an issuing bank. This chargeback will include a description that provides additional information: Digital Goods $25 or Less;When the customer disputes a charge, the issuing bank then begins the chargeback process. Discover Chargeback Reason Codes Explained. 100- 140 standards- , and will be removed in future releases. Updated Disputes/Chargeback Policy Coming April 2024If your chargeback Win Rate is under 25%, it makes no sense to represent. Merchants can find a. The code can be used in multiple specific situations; when necessary, an additional message will be provided along with the reason code to inform the merchant which particular type of chargeback. This means the cardholder claims that they received goods or services that were substantially different from what the merchant described. But, it could be up to 540 days, in some situations. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. And most go about it indirectly. The initial release of this standard does not add, remove or change any Return Reason Codes. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. This chargeback occurs when merchants do not adequately provide currency information. Europe Region Operations Bulletin No. Code 4807: Fraudulent Card-Present Transaction. 1: Use the corresponding dates from the invoice. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. 3 Changed Discover Reason Codes to match what is shown in the UI. 3 applies when a cardholder claims a charge—made in a card-present environment—was. A chargeback happens when a customer asks their card-issuing bank to reverse a transaction. . In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. com. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. At Visa they used to receive reason code 98. Additionally, one clearing transaction. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). This will be referenced in the chargeback notice you received. A reason code is an alphanumeric string of text an issuing bank attaches to a chargeback dispute to explain its cause. ”. 26% - the number of chargebacks that result from undelivered orders. The cardholder withdrew their chargeback: Provide a letter or email from the cardholder that states. EMV has been a mostly global standard since 2004. Each of the major card brands, including Visa, Mastercard, and others, have their own system of reason codes. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. Chargeback Reason Codes: Alphanumeric codes issued by banks to categorize the reasons for chargebacks. For those facing a lower chargeback volume, however, alerts might not provide a positive ROI. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. In addition to Reason Codes changing as a result of the VCR program, each Reason Code is now associated with a new Reason Category. FACT: A quarter of online businesses are in the chargeback “danger zone. Reason Codes: 24 / 25 / 30 / 34 / 59 / 82 Cardholder denies making CARD PRESENT transaction Make sure all transactions are magnetically swiped or imprinted. 80. Complicating things further, friendly fraud doesn’t provide you with any red flags. 3 –. 1American Express chargeback reason codes, much like Discover, bear one important difference from those under Visa and Mastercard: the issuing bank is also the card network. Merchants who believe they have received an invalid chargeback under reason code C05 may are able to represent the transaction the reverse the chargeback with the right compelling evidence. What is Visa chargeback reason code 12. During this process, the representative of the institution examines the reasons’ list. Here are some numbers on chargeback reason codes: 30% - the number of chargebacks that result from transactions made with a stolen card. Contents AUSTRALIAN MERCHANT CHARGEBACK REASON CODES. The sales slip must include both a UA01 Fraud – Card Present Transaction. This chargeback is more commonly initiated. Transaction is not eligible for Reason Code 75 (cardholder does not recognize transaction) or 83 (fraud transaction - card absent environment) 0: CAVV authentication results invalid - no verification performed: CAVV data not properly formatted Use standard authorization criteria with Issuer retaining chargeback rights: 8Visa Chargeback Reason Codes. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. 195 Acquirer Use of Message Reason Code 7627-Face-to-Face or CAT Level 2 Transac tion. The reason codes are grouped into several broad. ”. Now, compliance cases must be submitted through Visa Resolve Online (VROL). Region Only) 4855 Goods or Services Not Provided. In general, the unauthorized use of a parent’s credit card by a child is not considered a legitimate reason for filing a chargeback, since it is not criminal fraud, and the customer received the purchased goods or services. Additionally, in some cases the merchant can use them to prevent a chargeback from occurring. Description of Change Where to Look • Require cardholder letter, email or Expedited Dispute Form in first chargebacks for Cardholder Disputes reason codes involvingChargeback Reason Codes 85 and 4860 may be caused because the merchant: Did not issue a credit. 1. There are a number of chargeback request codes that need to be submitted with each chargeback request. This code tells you why the customer or bank initiated the dispute. Specify the invoice date and net due date to assign to chargebacks. Type. This code applies when either the transaction was processed using an incorrect account number, or the transaction itself was not authorized. The sales slip must include both aUA01 Fraud – Card Present Transaction. A chargeback reason code may display a chargeback related to fraud, processing errors, consumer disputes, or a variety of other reasons. The chargeback period, or the time limit for filing a chargeback, depends on the card scheme and the chargeback reason code. By entering your email, you agree to receive marketing emails from Shopify. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. legitimate duplicate processing chargeback, do not issue a direct credit to the cardholder - the credit will automatically be applied. Based on the information provided, Paymentology will investigate the transaction being disputed. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. There are over 80 unique return codes, each representing a different return type. Visa’s process introduces four dispute categories and associated numerical labels (Fraud – 10, Authorization – 11, Processing Errors – 12, Consumer Disputes – 13) under which the renamed reason codes will be placed. There are also a series of dates: Disputed date - This is the date the transaction in dispute took place. chargeback_settlement: The gross shows negative if the chargeback was resolved in the buyer's favor, and the funds return to the buyer. Chargebacks911® can help your business manage all aspects of chargeback reason codes, with proprietary technologies and experience. Thanks for following the Chargeback Gurus blog. Your business may not have to handle all chargeback cases — the processor will provide automatic representation in some instances. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. Spot these types of chargebacks using the below reason codes. The reason_code will be one of the following values: chargeback_reimbursement: The gross shows positive if the chargeback was resolved in the seller's favor, and the seller gets a refund. Receiving a damaged product. Ensure you’ve fully reviewed the chargeback reason code before writing your chargeback rebuttal letter. Here are some chargeback reason codes by card type. Provide exemplary customer service. 1 is an updated version of legacy reason code 70, which was phased out under the Visa Claims Resolution initiative. Code 10. Key-in your chargeback reason code and get a detailed explanation of what it means, how to fight the chargeback, and how. 3. This chargeback reason code is also referred to as “Point-of-Interaction” Errors. Only an issuer can initiate the chargeback process. Everyone has had the experience of buying. Chargeback representment succeeds when you can present your rebuttal concisely and substantiate. However, the disputes themselves are still categorized by the issuing bank based on the card network issuing the card. Credit card chargeback reason code: Type: varchar; Max length: 32 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. Credit card authorization is a notification given by a credit or debit card issuer (i. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. This code applies when a transaction was processed without acquiring authorization…but the card used in the transaction was listed in the Visa Card Recovery Bulletin (CRB). Chargeback Guide Version: 1. 1 to RC 13. “Our broad international experience with the banking industry, our familiarity with each and every credit card network’s unique chargeback guidelines, our proprietary. This reason code is used when the cardholder claims that a transaction charged to their account was actually supposed to be a credit. Mastercard chargeback reason code 4831 falls under the “Point-of-Interaction Error” category. Ethoca alerts can prevent chargebacks before they hit your bank account. 4841 Canceled Recurring or Digital Goods Transactions. 4: Other Fraud–Card-Absent Environment. Please refer to chapter 5 for more information. MASTERCARD Reason Code Description. That’s 50% more time than what the major card networks allow. A reason code is how banks categorize the reason for a chargeback. 4 spec (Section 8. Visa chargeback reason code 75 is filed as an honest mistake. com. Then, the crook attempts to trick the victim into disclosing personal account information (account number, routing information, SSN, etc. The new reason codes follow a format of two digits, a period, then a third digit. compliance process depending on whether a chargeback right exists. Chargeback Reason Codes List for American Express. “American Express Chargeback Reason Codes | Sift”. The keys to this are improved communication, enhanced customer satisfaction measures, and effective dispute resolution when necessary. The right to dispute a transaction is a federal law in. Code Reason; 01: Requested Transaction Data Not Received: 02: Requested item illegible: 07: Warning Bulletin File: 08: Requested/Required Authorization Not Obtained: 12: Account Number Not on File: 31: Transaction Amount Differs: 34: Duplicate Processing: 35: Card Not Valid or Expired: 37: No Cardholder Authorization: 40: Fraudulent Processing. If a dispute has a strong enough basis to warrant a chargeback, Discover will send a chargeback notice to the merchant along with the reason code for the chargeback. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. These codes are established by the payment brands to categorize the incoming dispute requests by reason. You’ll see that all chargebacks ultimately stem from one of three causes: merchant error, criminal fraud, or friendly fraud. Not recognizing your billing descriptor on a statement. Chargeback time frames - A specific period of time during which a chargeback can be raised. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. Chargebacks were originally introduced to protect consumers from fraudulent or unauthorized transactions. Having a Lax Attitude Toward Industry Rules & Regulations. There are over 80 unique return codes, and each one represents a different type of return. MasterCard chargeback reason code 4540. These reason codes indicate disputes that occur as a result of inaction or wrong action on either party’s part (merchant or cardholder). Your firm needs to embrace a customer-centric approach focused on transparency and. As a merchant, your focus should be on finding and retaining customers--not chargebacks. Request for Information. Prevent Chargebacks & Reduce Payment Processing Risk. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. When a cardholder disputes a charge, their issuing bank will review the transaction and decide if. Unlike other. FR4 Immediate Chargeback Program. . UA02 Fraud – Card Not Present Transaction. Initiated On or After 17 July 2020 > Chargeback Message Reason Codes > Second Presentment:. WEX began issuing chip cards in Q4, 2020. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Visa has recently announced changes to its chargeback rules. This ranges anywhere from roughly 60 to 90 days after purchase. It can protect against criminal fraud attacks, but equally important, it protects you from liability due to fraud and other losses. Discover: Reason Code 4755 Non-receipt of goods or services. Fight; Prevent;. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. In all, there are four major categories of Chargeback Reason Codes. Reason Code. For merchants, the deadline to respond is 30 days for Visa chargebacks and 45 days for Mastercard chargebacks. The Reason Code is a number that represents the reason for an action in the chargeback process. 5, and all aspects of chargeback reason codes, with proprietary. Batch chargeback process. This list was generated 5/4/2022. Thanks for following the Chargeback Gurus blog. Mastercard chargeback reason code 4999 falls under the “Point-of-Interaction Error” category. Any time. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. Codes are not often shared between issuers which means it can be difficult to remember the details of each. 4 Funding Process. 196 ‹” Chargeback Reason Codes… !ó Retrieval Reason Codes… Í Sheet3š š £ £ Œ ® ;H Á Á Õ8 ü ! À Mastercard Reason Code Description Time Frame Retrieval Required 01 Yes 02 07 No 08 12 31 Transaction amount differs 34 Duplicate Processing 35 37 No Cardholder Authorization 40%Fraudulent Processing of Transactions 41 Cancelled. What is Visa chargeback reason code 13. What does the reason code of my chargeback mean? Whenever a payment is disputed, a dispute reason code is used by the issuer to let you and us know why the payment is charged back. This scenario applies when the arbitration was raised by either the. Typically, cardholders file a chargeback if they were not informed of dynamic currency conversion fees or were not given the option to complete the sale in their local currency. Check with the issuing banks to determine what time limits may apply to you. To help merchants understand the underlying issue of each chargeback, American Express has created specific chargeback reason codes to help business owners interpret chargebacks. Specify the default reason code that you want the system to assign when you enter a chargeback amount. R. A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback. This can be transaction receipts, proof of. The reason code will give you an idea why the payment is disputed. Analyze your chargeback data. For merchants at risk of exceeding important chargeback thresholds, this cost is often well worth it. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. Chargebacks. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Reason codes give merchants information about the cause of a chargeback and what evidence. 2. The transaction amount and authorization number (ARN. 3. When one cardholder initiates a dispute with their issuing. Chargeback reason code 13. But, merchants should be aware that, eventually, everyone will. In both instances if the Merchant wishes to withdraw from an arbitration case, Visa will charge the amount of 500. A chargeback happens when a customer requests for a transaction to be reversed. 2 chargebacks are frequently caused by customers forgetting to cancel a subscription before the next billing and then going to their bank to try to get their money back. Eligible Chargeback Reason Codes . 33%: Moreover, region-specific laws can also impact chargeback rates. About Us; Careers We're hiring! In The Press; Latest News; Events; Corporate Responsibility; Brand Resources; Contact Us. Code 34 – will be renamed 'Point of Interaction Error' and will be used for the following issues: 31 Transaction amount differs; 34 Duplicate processing; 42 Late presentment; 46 Correct transaction currency code not provided; Issuers have the option of using the existing chargeback reason codes or the renamed code covering a variety of issues. American Express specifies 34 reason codes under the browse of Fraud, Authorization, Processing Errors, Card Member Disputes, and. Bulletin File 08 RequestedRequired authorization not obtained 12 Account number not on file 31 Transaction amount differs 34 Duplicate Processing 35 Card not valid or expired 37 No Cardholder Authorization. . . Chargeback management describes all of the ways in which merchants can deal with fraud and disputes that result in payment reversals. 1 - Late Presentment. A chargeback filed due to buyer’s remorse is a prime case of friendly fraud; a situation where a customer side-steps a return policy in order to gain an illegitimate refund. When a fraudster places a transaction using stolen payment credentials, it may result in a true fraud chargeback under this reason code. S. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Code 13. Reason Codes Category 1: Authorization. If you want a more thorough explanation of a given reason code, you can find it in our reason code lookup tool. 1003 - Transaction Supporting Document (TSD) needed for cardholder’s personal records expense reporting. 3), the acquirer has 18 days to respond to the dispute • For Visa Collaboration reason codes (RC 12. 3 is part of an updated and expanded revision of the legacy codes that indicated fraud, codes which were phased out under the Visa Claims Resolution initiative. Identifying the chargeback reason code and the evidence required to fight it is the first step in chargeback representment, and analyzing your. Most reason codes apply to any merchant, regardless of what’s being sold. In fact, the same thing could be said of other chargeback reason codes, too. Customers cannot dispute pending credit card transactions; they have to wait for it to actually post to their account before they can initiate a dispute. A chargeback happens when a customer requests for a transaction to be reversed. Assemble Your Evidence. 3 is the less common version for card-present transactions. ”. American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. RR - Retrieval Request MID - Merchant Identification number PA - Pre-arbitrations NOTE: PayPal often cites reason codes from card34: Item buyer dispute amount: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters;. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. Some payment service providers like PayPal and Stripe have their own reason codes as well. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. What is Mastercard chargeback reason code 4853? Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. Complete Guide to Visa Compelling Evidence Update CE 3. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. In fact, for every dollar lost to chargebacks in 2019, the average merchant lost an additional $2. • Chargeback Reason Code – Each chargeback contains a reason code that signifies the reason for the dispute and the rules that must be followed by the issuer and the merchant in order to resolve the dispute. Department of the Treasury publishes Check 21 Return Codes. Search the Chargeback Reason Code Database. 1 falls under the “Processing Errors” category. 1. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. As both a card network and an issuer, American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. Table A-1 shows all possible values for the <response> and <message> elements. 7: Defective goods and services: C32: RM: 13. This may be done by either the merchant or the issuing bank. Reason codes. 06%: 1. Reason Codes: 24 / 25 / 30 / 34 / 59 / 82 Cardholder denies making CARD PRESENT transaction Make sure all transactions are magnetically swiped or imprinted. 4859 Addendum, No-show, or ATM Dispute. 00 EUR as a Withdrawal fee. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. 7 Updated format All 1. Those reasons are explained through the corresponding reason codes. Chargeback reason codes are alphanumeric codes established by the major card networks that indicate the reason a chargeback was filed. resolved via the chargeback management process and within timeframes. Fraudsters can create counterfeit. Specify the default reason code to. Using the same link provided above, contact PayPal to report the scam. 2 – EMV Liability Shift Non-Counterfeit Fraud 10. The reason code also presents a timeline to fight the chargeback and what evidence is needed to reverse the chargeback. Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements. 2. Each American Express reason code consists of one or more letters, indicating the category, and a number that identifies the. UA05 Fraud – Chip Counterfeit Transaction. It’s easier to contact their card issuer and file a chargeback—no need to go to you. You may also provide other forms of evidence such as photographs, emails, etc. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. Below is a list of Mastercard chargeback codes used in eCommerce. The use of this reason code indicates that the cardholder does not recognize the transaction as it appears on their bank statement. Most chargebacks are violations of the rules and regulations established by a payment brand, such as Visa®, MasterCard® or debit network. *These networks do not have specific reason codes assigned to dispute; however, any retrieval that is received without a reason code will be assigned a default code of 1. Legacy code as currently displayed in the AWC. The shorthand description is “Late Presentment. The most comprehensive guide to chargeback reason codes. These chargebacks occur to resolve chargeback-related disputes between network members. prenotification of chargeback, depending on the chargeback reason code, to the agency requesting additional documentation to properly dispute and remedy the chargeback. You can see the reason code for the dispute in the Dispute page. These codes are broken down into five different category. To submit your documents to Wave, use the link in the chargeback notification email, or reply to the email. Chargeback reason codes. Chargeback reason code 10. All ACH return reason codes consist of the letter “R” followed by two. What is Visa Reason Code 11. The cardholder’s bank assigns a reason code to each chargeback before sending it to the merchant. 4 Updated Discover chapter for April (2012) Enhancements Chapter 2 1. Feel free to submit topic suggestions, questions or requests for advice to:. Dispute Reason Code: A specific code associated with the reason given by the buyer for initiating the chargeback. ”. Use clear and consistent billing descriptors. Across open networks and include account numbers sent over email, instant messaging, text, or chat. . #9. Once you receive this notification, you have 11 days to submit a response. American Express specifies 34 reason codes under the categories of Fraud, Authorization, Processing Errors, Card Member Disputes, and Inquiry/Miscellaneous. A chargeback can happen when a customer initiates a transaction dispute. 2022 Visa Chargeback. With the implementation of Visa Claims Resolution, reason code 98 eventually became obsolete. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. As a merchant, you face the brunt of chargeback losses. Write customer-friendly policies. FR6 Partial Immediate Chargeback Program. Reason code 4853 falls under the broad category “Cardholder Dispute,” meaning the cardholder is saying something about the transaction is wrong. Unfortunately, the final decision in such cases comes down to the issuing bank, and not. But, it could be up to 540 days, in some situations. 34: 0. The following are some examples: Visa Reason Code 13.